Carroll County property record for 438 Sawgrass Ct, Westminster, MD 21158
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,322 sqft · built 1990 |
| Lot Size | 0.701 acres (30,553 sqft) |
| Owner | Individual Name on File |
| Last Sale | $332,900 (Oct 2014) |
| Tax Bill | $7,243 (2026) |
| Deeds & Mortgages | Jan 2018 Loan Modification Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 07-096305 |
| Primary APN | 07-096305 |
|---|---|
| Alternative APNs |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,322 sqft Total Area |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Siding |
| Roof Material | Composition Shingle |
| Lot Area | 30,553 sqft (0.701 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 239 sqft |
| Deck Area | 432 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Connected |
| Account Number | 096305 |
|---|---|
| Street Address | 438 SAWGRASS CT |
| City | WESTMINSTER |
| State | MD |
| Zip | 21158-4141 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-200 |
| Legal Description | LT 26 - 30553 SF SAWGRASS CT 28-178 AVONDALE RUN PH 1 SH 7 |
| Legal Subdivision | AVONDALE RUN |
| Legal Phase | 1 |
| Legal Lot Number | 26 |
| Jurisdiction | CARROLL MD |
| Township / Civil Division | 7, WESTMINSTER |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 507703 |
438 Sawgrass Ct is owned and occupied by an individual who bought it in October 2014.
Source: Carroll County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 438 SAWGRASS CT, WESTMINSTER, MD 21158-4141 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 5, 2018 | Loan Modification, Mortgage · Conventional Mortgage PENNYMAC |
| Dec 11, 2017 | Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 15, 2014 · Amount on File |
| Deed Sale | Oct 15, 2014 · Amount on File |
| Prior Sale | May 18, 1990 · Amount on File |
| Deed Book / Page | 7786 / 402 |
| Record Updated | Oct 29, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 438 SAWGRASS CT, WESTMINSTER, MD 21158-4141 |
| Document Number | 0089270471 |
| Instrument Date | Jan 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 438 SAWGRASS CT WESTMINSTER MD 211584141, WESTMINSTER, MD 21158-4141 |
| Document Number | 0089270471 |
|---|---|
| Date | Jan 26, 2018 |
| Book Page | 008927/000471 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 25, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARROLL MD |
| Property Address | 438 SAWGRASS CT, WESTMINSTER, MD 21158-4141 |
| Document Number | 0089140332 |
| Instrument Date | Dec 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 438 SAWGRASS CT WESTMINSTER MD 211584141, WESTMINSTER, MD 21158-4141 |
| Document Number | 0089140332 |
|---|---|
| Date | Jan 11, 2018 |
| Book Page | 008914/000332 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 10, 2048 |
The 2026 property tax bill for 438 Sawgrass Ct was $7,243 with a homeowner's exemption, up 5.8% from the year before.
Source: Carroll County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Carroll County |
| Municipality | Westminster City |
| Unified School District | Carroll County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,243.00 (+5.8%) Homeowner's exemption | $448,700 Land $146,100 Building $302,600 | $448,700 Land $146,100 Building $302,600 |
| 2025 | $6,846.00 Homeowner's exemption | ||
| 2023 | $6,148.00 Homeowner's exemption | $363,800 Land $146,100 Building $217,700 | $363,800 Land $146,100 Building $217,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 Sawgrass Ct in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 11, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 4 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 438 Sawgrass Ct is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WAKEFIELD VALLEY private · serves 2,436 people · EPA ID MD0060017 |
|---|---|
| Water Source | Groundwater influenced by surface water |
| Last State Inspection | May 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 136 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Ting Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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